TIJORAT BANKLARINING MUAMMOLI KREDITLARI (NPL) KO‘RSATKICHI ORQALI BANK TIZIMI BARQARORLIGINI BAHOLASH

Roushenbek Xanmuratov and Vaxabov A.V.

GREEN ECONOMY AND DEVELOPMENT, 2026, vol. 4, issue 1

Abstract: Ushbu maqolada tijorat banklarining muammoli kreditlari — Non-Performing Loans (NPL) ko‘rsatkichi orqalibank tizimi barqarorligini baholash masalalari tahlil qilinadi. Tadqiqot jarayonida NPL tushunchasining iqtisodiy mohiyatiochib berilib, uning banklarning moliyaviy barqarorligiga ta’siri nazariy va amaliy jihatdan yoritilgan. Shuningdek, tijoratbanklarida muammoli kreditlarning shakllanish sabablari, ularning kredit portfeli sifati hamda bank tizimi risklariga ta’siriko‘rib chiqilgan. Maqolada bank tizimi barqarorligini baholashda NPL ko‘rsatkichining asosiy indikator sifatidagi ahamiyatiasoslab berilgan hamda davlat ishtirokidagi va xususiy banklar misolida muammoli kreditlar darajasining qiyosiy tahliliamalga oshirilgan. Tadqiqot natijalari bank tizimida risklarni boshqarish mexanizmlarini takomillashtirish va muammolikreditlar ulushini kamaytirishga qaratilgan amaliy takliflarni ishlab chiqishda muhim ilmiy-amaliy ahamiyatga ega

Keywords: tijorat banklari; muammoli kreditlar; NPL ko‘rsatkichi; kredit portfeli sifati; bank tizimi barqarorligi; kredit risklari; moliyaviy barqarorlik; bank nazorati; risklarni boshqarish; kredit siyosati (search for similar items in EconPapers)
Date: 2026
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Persistent link: https://EconPapers.repec.org/RePEc:teu:ged000:v:4:y:2026:i:1:id:8827

DOI: 10.5281/zenodo.18300443

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